Préstamo (VA) 45,000

i (TEA) 41% anual Cuota

i (TEM) 0.029046 mensual
n= 12 meses CUOTA
Fecha del préstamo= 3/15/2022 Cada 30 días
R= 4,495.10

Nº Fecha vencimiento
0
1 4/14/2022
2 5/14/2022
3 6/13/2022
4 7/13/2022
5 8/12/2022
6 9/11/2022
7 10/11/2022
8 11/10/2022
9 12/10/2022
10 1/9/2023
11 2/8/2023
12 3/10/2023
 S/4,495.10 𝑅=𝑉𝐴 𝑥 (𝑖 𝑥 ( 〖 1+𝑖) 〗
^𝑛)/(( 〖 1+𝑖) 〗 ^𝑛−1)
$4,495.10

4,495.10 valor actual numerador denominador

Interés = I Amortización = A Cuota = R Saldo deudor

45,000.00
1,307.08 S/3,188.01 S/4,495.10 41,811.99
1,214.48 S/3,280.61 S/4,495.10 38,531.38
1,119.19 S/3,375.90 S/4,495.10 35,155.48
1,021.14 S/3,473.96 S/4,495.10 31,681.52
920.23 S/3,574.86 S/4,495.10 28,106.65
816.39 S/3,678.70 S/4,495.10 24,427.95
709.54 S/3,785.55 S/4,495.10 20,642.40
599.59 S/3,895.51 S/4,495.10 16,746.89
486.44 S/4,008.66 S/4,495.10 12,738.23
370.00 S/4,125.10 S/4,495.10 8,613.13
250.18 S/4,244.92 S/4,495.10 4,368.22
126.88 S/4,368.22 S/4,495.10 0.00
8,941.15 45,000.00 53,941.15
 Función Excel
PAGO(tasa,nper,va,[vf],[tipo])

𝑅=𝑉𝐴 𝑥 (𝑖 𝑥
( 〖 1+𝑖) 〗 ^𝑛)/
(( 〖 1+𝑖) 〗 ^𝑛−1)
Préstamo (VA) 45,000
i (TEA) 41% Amortización = A
i (TEM) 0.029046 MENSUAL
n= 12 MESES

A= 3,750.00

Nº Interés = I Amortización = A
0
1 1,307.08 3,750.00
2 1,198.16 3,750.00
3 1,089.24 3,750.00
4 980.31 3,750.00
5 871.39 3,750.00
6 762.47 3,750.00
7 653.54 3,750.00
8 544.62 3,750.00
9 435.69 3,750.00
10 326.77 3,750.00
11 217.85 3,750.00
12 108.92 3,750.00
8,496.05 45,000.00
 3,750.00

Cuota = R Saldo deudor

45,000.00
5,057.08 41,250.00
4,948.16 37,500.00
4,839.24 33,750.00
4,730.31 30,000.00
4,621.39 26,250.00
4,512.47 22,500.00
4,403.54 18,750.00
4,294.62 15,000.00
4,185.69 11,250.00
4,076.77 7,500.00
3,967.85 3,750.00
3,858.92 0.00
53,496.05
METODO ALEMAN

Préstamo (VA) 45,000

i (TEA) 31%
i (TEM) 2.275735%
n= 12 MESES

AMORTIZAC. 3750
Nº Interés = I Amortización = A Cuota = R Saldo deudor
0 45,000.00
1 1,024.08 3750 4,774.08 41,250.00
2 938.74 3750 4,688.74 37,500.00
3 853.40 3750 4,603.40 33,750.00
4 768.06 3750 4,518.06 30,000.00
5 682.72 3750 4,432.72 26,250.00
6 597.38 3750 4,347.38 22,500.00
7 512.04 3750 4,262.04 18,750.00
8 426.70 3750 4,176.70 15,000.00
9 341.36 3750 4,091.36 11,250.00
10 256.02 3750 4,006.02 7,500.00
11 170.68 3750 3,920.68 3,750.00
12 85.34 3750 3,835.34 0.00
tamo (VA) 16,987,258
i (TEA) 27%
i (TEM) 2.011776%
n= 18 MESES
préstamo= 3/15/2017
PREPARAR:
CRONOGRAMA FRANCES
CRONOGRAMAALEMAN
EXPLICAR LOS PROCEDIMIENTOS PARA CALCULAR UN CRONOGRAMA FRANCES Y UN CRONOGRAMA ALEMAN

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